Call reports 2006
HERITAGE BANK OF FLORIDA — 2006
What HERITAGE BANK OF FLORIDA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 170,901,000 | 173,644,000 | 184,309,000 | 193,472,000 |
| Total loans | 147,464,000 | 154,132,000 | 162,005,000 | 169,156,000 |
| Allowance for loan losses | 1,673,000 | 1,780,000 | 1,885,000 | 1,977,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,485,000 | 141,406,000 | 141,133,000 | 151,230,000 |
| Interest-bearing deposits | 108,904,000 | 119,907,000 | 124,684,000 | 133,047,000 |
| Noninterest-bearing deposits | 25,581,000 | 21,499,000 | 16,449,000 | 18,183,000 |
| Equity capital | 18,009,000 | 18,676,000 | 19,363,000 | 20,069,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 2,931,000 | 6,202,000 | 9,723,000 | 13,432,000 |
| Interest expense | 1,068,000 | 2,300,000 | 3,752,000 | 5,417,000 |
| Net interest income | 1,863,000 | 3,902,000 | 5,971,000 | 8,015,000 |
| Noninterest income | 128,000 | 260,000 | 397,000 | 522,000 |
| Noninterest expense | 850,000 | 1,802,000 | 2,894,000 | 3,846,000 |
| Provision for loan losses | 195,000 | 315,000 | 420,000 | 515,000 |
| Pretax income | 946,000 | 2,045,000 | 3,054,000 | 4,176,000 |
| Income tax | 373,000 | 805,000 | 1,132,000 | 1,575,000 |
| Net income | 573,000 | 1,240,000 | 1,922,000 | 2,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,009,000 | 18,676,000 | 19,363,000 | 20,069,000 |
| Total capital | 19,682,000 | 20,456,000 | 21,248,000 | 22,046,000 |
| Risk-weighted assets | 141,025,000 | 148,154,000 | 155,505,000 | 161,255,000 |